ANCRE

What ANCRE does

ANCRE (Association Nationale pour la Couverture des risques, la Retraite, et l'Epargne) is an independent French non-profit association founded in 1983 and governed by the law of July 1, 1901. It functions as a 'tiers de confiance' (trusted third party) that subscribes 'groupe ouvert' (open group) life insurance, retirement, and provident insurance contracts with Allianz on behalf of its members, representing the collective interests of 680,000 members in their savings, retirement, and insurance matters. The association is supervised by the ACPR (Autorité de contrôle prudentiel et de résolution) and operates within the specific framework of decree n° 2006-976 and decree n° 2011-1635.

The association's product offering is delivered exclusively through Allianz and spans three categories: Savings (Epargne), including Allianz Vie Fidélité, Allianz4Life, Allianz Vie Génération, and Allianz Capitalisation Fidélité; Retirement (Retraite), including Allianz PER Horizon, Allianz PER Entreprise, and Allianz4Life Retraite; and Provident insurance (Prévoyance), including Allianz Assurance Emprunteur, Allianz Prévoyance 'Personne Clé', and individual provident coverage for salaried and self-employed workers. Members also access complementary services from Santéclair (health) and Sapiendo (retirement planning). ANCRE does not develop proprietary technology; its infrastructure consists of a public website, an 'Espace adhérent' member portal, and standard third-party tools including Google Analytics and reCAPTCHA, with website development handled by partner Les Comptoirs and hosting by OVH.

ANCRE operates as a not-for-profit with free membership for individuals and legal entities, funded through its role as the group contract subscriber with Allianz. It is headquartered at 27 boulevard des Italiens in Paris (2nd arrondissement). The association engages members through regional encounters, webinars, and financial publications including ANCRE LES INFOS, rather than commercial marketing, and pursues policy advocacy at national and European levels through its memberships in FAIDER and BETTER FINANCE. Its scale is substantial, with €27.5 billion in savings and retirement assets and €26 billion in insured provident capital associated with the Allianz contracts it subscribes.

Name

ANCRE

Legal name

ASSOCIATION NATIONALE pour la COUVERTURE des risques, la RETRAITE, et l'EPARGNE (ANCRE)

Website

https://ancre-vie.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

ANCRE is a French non-profit association founded in 1983 that acts as a collective subscriber to Allianz savings, retirement, and provident insurance contracts for its 680,000 members, serving as an independent trusted third party under ACPR supervision.

Ownership category

akta.pro rank

Product category

Insurance Association Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Other Insurance Funds (52519), All Other Insurance Related Activities (524298)

SIC

Life Insurance (6311), Services-Membership Organizations (8600)

akta.pro industry

PRIMARYFSAIADAD

Group Variable Universal Life (GVUL)

Financial & Insurance/Insurance — Life & Health/Group Life Insurance (Employer-Sponsored)

SECONDARYFSAIABAI

Participating (Dividend) Whole Life Insurance

Financial & Insurance/Insurance — Life & Health/Whole & Universal Life Insurance

SECONDARYFSAIABAC

Indexed Universal Life (IUL) Insurance

Financial & Insurance/Insurance — Life & Health/Whole & Universal Life Insurance

SECONDARYHLAEALAN

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

Keywords

• Group insurance brokerage
• Life insurance contracts
• Retirement savings plans
• Income protection insurance
• Member advocacy association

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Membership Fees: ANCRE operates as a not-for-profit association governed by the law of July 1, 1901. Members pay subscriptions to belong to the association and access group insurance contracts. The association subscribes to group insurance contracts with Allianz on behalf of its members, representing collective member interests.
2. Group Insurance Brokerage: ANCRE subscribes 'groupe ouvert' (open group) life insurance, retirement, and prévoyance contracts with Allianz. The association acts as an intermediary representing collective member interests, providing access to insurance products under negotiated terms. The organization is subject to ACPR (Autorité de contrôle prudentiel et de résolution) supervision.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

ANCRE is a non-profit French association that acts as a collective subscriber to Allianz "open group" insurance contracts on behalf of its 680,000 members. The association offers three product categories: savings (épargne) via life insurance products such as Allianz Vie Fidélité and Allianz4Life, retirement (retraite) through individual and company retirement savings plans (PER Horizon, PER Entreprise), and provident insurance (prévoyance) including loan insurance, key person coverage, and individual income protection for salaried and self-employed workers. ANCRE represents the collective interests of members and provides financial education content through regional events, webinars, and publications.

Product overview

ANCRE is an independent association (tier de confiance) established in 1983 that acts as a collective subscriber to Allianz insurance contracts for its members. The organization offers three main product categories: (1) Savings (Epargne) including life insurance products (Allianz Vie Fidélité, Allianz4Life, Allianz Vie Génération) and capitalization contracts (Allianz Capitalisation Fidélité); (2) Retirement (Retraite) through individual and company retirement savings plans (Allianz PER Horizon, Allianz PER Entreprise, and Allianz4Life Retraite); and (3) Provident insurance (Prévoyance) covering loan insurance (Allianz Assurance Emprunteur), key person insurance, and individual provident coverage for employees and self-employed workers. ANCRE serves 680,000 members with €27.5 billion in savings/retirement assets and €26 billion in insured capital.

Differentiator

Problem solved

Functional benefit

Brands

• ANCRE SOLIDARITE: Endowment fund created to provide material and financial support to persons in situations of disability, illness, or great distress
• ANCRE

Products and services

• Allianz Vie Fidélité

Quantifiable outcome

• 680,000 members benefit from collective representation and group insurance products
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• AllianzcoreStrategic or Co-development Partner · 1 January 1983Allianz is ANCRE's sole insurance partner since 1983, recognized for its financial solidity and environmental/social commitments. ANCRE subscribes all its insurance contracts (life insurance, retirement, prévoyance) with Allianz. Allianz is solely responsible for distribution, membership management, and settlement of contracts under these group insurance policies.
• FAIDER (Fédération des Associations Indépendantes de Défense des Épargnants pour la Retraite)flagshipStrategic or Co-development PartnerANCRE is a member of FAIDER and works with this federation to advocate for policy positions regarding retirement savings and investor protection at national and European levels.
• BETTER FINANCEflagshipStrategic or Co-development PartnerANCRE collaborates with BETTER FINANCE, the European federation representing investor interests, to engage with EU-level public authorities on savings and retirement policy matters.
• NEOMA Business SchoolminorStrategic or Co-development PartnerANCRE supports the NEOMA Business School economic research chair, demonstrating commitment to financial education and research.
• SantéclairminorOthersHealth service partner. ANCRE transmits member information (adherent number, first name, last name, postal address, email) to Santéclair to provide members with access to health services and benefits.
• SapiendominorOthersRetirement planning service partner. ANCRE transmits member information (adherent number, first name, last name, email) to Sapiendo to provide members with retirement planning services.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• CNP Assurances: CNP Assurances is a leading French life insurance carrier with strong positions in savings, retirement, and protection. CNP's Vice President of ANCRE's board previously led partnership activities at CNP, illustrating the operational overlap with ANCRE's retirement product space.
• MACIF: MACIF is a major French mutual insurer offering life insurance, retirement, and prévoyance products. It operates as a broader incumbent serving individual members across France with mutual governance similar in spirit to ANCRE's association model.
• Klesia: Klesia is a French group protection and retirement provider serving enterprises and individuals. It overlaps with ANCRE's prévoyance and corporate PER offerings as a broader incumbent in employee benefits and retirement planning.
• AG2R La Mondiale: AG2R La Mondiale is one of France's largest insurance and retirement groups, operating as a broad incumbent in savings, retirement, and prévoyance. It overlaps with ANCRE's product categories but operates as a major carrier itself rather than an association subscriber.

Direct peers

• La France Mutualiste: La France Mutualiste is a French mutualist association offering savings, retirement, and prévoyance products to individual members through a similar collective subscription model. Both serve French individual savers with mutualist/association governance and comparable product suites.
• France Retraite: France Retraite is a French association offering retirement and life insurance products through group contracts, serving a similar member demographic to ANCRE with comparable association governance and savings-focused offerings.
• FAIDER: FAIDER (Fédération des Associations Indépendantes de Défense des Épargnants pour la Retraite) is the federation of which ANCRE is a member. It groups independent associations defending retiree/saver interests in France, providing a structural comparison point for ANCRE's advocacy-driven model.
• AGIPI: AGIPI is a French non-profit association that, like ANCRE, subscribes group insurance contracts with Allianz on behalf of its members for savings, retirement, and prévoyance. Both operate under the same ACPR-supervised framework with nearly identical business models, making AGIPI the most directly comparable peer.

Regional players

• Malakoff Humanis: Malakoff Humanis is a major French social protection group focused on retirement, prévoyance, and health for employees and enterprises. While operating as a broader incumbent, it shares ANCRE's focus on collective/group contracts and employee benefits in France.

Others

• Allianz France: Allianz France is ANCRE's sole insurance partner and the actual underwriter of all 680,000 members' contracts. ANCRE's president is a former Allianz France Executive Committee member, demonstrating the deep operational and governance ties between the two organizations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ancrevie

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ANCRE